/* Absicherungs-Kompass + Vorsorge-Konzepte-Band */
.vk-band{margin-top:46px;padding:30px 30px 34px;border:1px solid var(--line);background:linear-gradient(135deg,#fff 0%,var(--paper) 100%);position:relative}
.vk-band::before{content:'';position:absolute;inset:7px;border:1px solid rgba(168,135,79,.22);pointer-events:none}
.vk-head{text-align:center;margin-bottom:22px}
.vk-head h3{font-size:clamp(1.25rem,2.4vw,1.7rem);margin:0}
.vk-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;position:relative}
.vk-card{display:flex;flex-direction:column;gap:6px;padding:24px 26px;background:var(--ink);color:var(--ivory);position:relative;overflow:hidden;transition:transform .35s cubic-bezier(.2,.7,.3,1),box-shadow .35s}
.vk-card::after{content:'';position:absolute;top:0;left:-60%;width:40%;height:100%;background:linear-gradient(100deg,transparent,rgba(201,171,119,.22),transparent);transform:skewX(-18deg);transition:left .7s ease}
.vk-card:hover{transform:translateY(-4px);box-shadow:0 22px 44px rgba(14,26,47,.28)}
.vk-card:hover::after{left:130%}
.vk-k{font-size:.68rem;letter-spacing:.24em;text-transform:uppercase;color:var(--bronze-2);font-weight:700}
.vk-card strong{font-family:var(--disp);font-weight:400;font-size:1.45rem;color:#fff}
.vk-card span:not(.vk-k){color:rgba(243,239,230,.82);font-size:.95rem}
.vk-card em{font-style:normal;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze-2);margin-top:6px}
@media (max-width:700px){.vk-cards{grid-template-columns:minmax(0,1fr)}.vk-band{padding:24px 18px 26px}}

.kompass{position:relative;overflow:hidden}
.kompass::before{content:'';position:absolute;width:620px;height:620px;right:-220px;top:-240px;border-radius:50%;background:radial-gradient(circle,rgba(168,135,79,.35),transparent 68%);pointer-events:none}
.kp-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:36px;align-items:start;margin-top:30px;position:relative}
.kp-chips{display:flex;flex-wrap:wrap;gap:10px}
.kp-chip{font:inherit;font-size:.93rem;color:var(--ivory);background:rgba(243,239,230,.06);border:1px solid rgba(243,239,230,.22);padding:11px 18px;cursor:pointer;display:inline-flex;align-items:center;gap:10px;transition:background .25s,border-color .25s,transform .25s,color .25s;text-align:left;line-height:1.3;min-height:46px}
.kp-chip i{width:16px;height:16px;border:1px solid rgba(243,239,230,.5);flex:none;position:relative;transition:all .25s}
.kp-chip:hover{border-color:var(--bronze-2);transform:translateY(-2px)}
.kp-chip:focus-visible{outline:2px solid var(--bronze-2);outline-offset:2px}
.kp-chip[aria-pressed="true"]{background:linear-gradient(120deg,#a8874f,#b8975d);border-color:#c9ab77;color:#fff}
.kp-chip[aria-pressed="true"] i{background:#fff;border-color:#fff}
.kp-chip[aria-pressed="true"] i::after{content:'';position:absolute;left:4px;top:1px;width:5px;height:9px;border:solid #1a2a42;border-width:0 2px 2px 0;transform:rotate(45deg)}
.kp-group{font-size:.7rem;letter-spacing:.22em;text-transform:uppercase;color:var(--bronze-2);font-weight:700;margin:20px 0 10px;width:100%}
.kp-group:first-child{margin-top:0}
.kp-out{background:rgba(250,248,242,.06);border:1px solid rgba(243,239,230,.18);padding:24px 24px 22px;position:relative;min-height:260px}
.kp-out::before{content:'';position:absolute;inset:6px;border:1px solid rgba(201,171,119,.16);pointer-events:none}
.kp-ring{display:flex;align-items:center;gap:16px;margin-bottom:16px}
.kp-ring svg{width:64px;height:64px;flex:none;transform:rotate(-90deg)}
.kp-ring circle{fill:none;stroke-width:5}
.kp-ring .bg{stroke:rgba(243,239,230,.16)}
.kp-ring .fg{stroke:#c9ab77;stroke-linecap:round;stroke-dasharray:157;stroke-dashoffset:157;transition:stroke-dashoffset .6s cubic-bezier(.2,.7,.3,1)}
.kp-count{font-family:var(--disp);font-size:1.15rem;color:#fff;line-height:1.25}
.kp-count small{display:block;font-family:var(--body);font-size:.8rem;color:rgba(243,239,230,.7);letter-spacing:.02em}
.kp-empty{color:rgba(243,239,230,.75);font-size:.97rem;margin:0}
.kp-list{list-style:none;display:grid;gap:10px;margin:0 0 16px}
.kp-list li{animation:kpIn .5s cubic-bezier(.2,.7,.3,1) both;animation-delay:calc(var(--i,0)*70ms)}
.kp-list a{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2px 12px;padding:13px 16px;background:rgba(14,26,47,.55);border:1px solid rgba(243,239,230,.16);transition:border-color .25s,transform .25s}
.kp-list a:hover,.kp-list a:focus-visible{border-color:var(--bronze-2);transform:translateX(3px)}
.kp-list b{font-family:var(--disp);font-weight:400;color:#fff;font-size:1.05rem}
.kp-list span{grid-column:1;font-size:.85rem;color:rgba(243,239,230,.75);line-height:1.45}
.kp-list em{grid-row:1/3;grid-column:2;align-self:center;font-style:normal;font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze-2);white-space:nowrap}
@keyframes kpIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.kp-act{display:flex;flex-wrap:wrap;gap:10px;align-items:center}
.kp-act .btn{min-height:46px;padding:11px 22px;font-size:.82rem}
.kp-reset{font:inherit;background:none;border:0;color:var(--bronze-2);cursor:pointer;text-decoration:underline;text-underline-offset:3px;font-size:.88rem;padding:8px 4px}
.kp-note{font-size:.76rem;color:rgba(243,239,230,.6)!important;margin:14px 0 0;line-height:1.55}
@media (max-width:900px){.kp-grid{grid-template-columns:minmax(0,1fr)}}
@media (max-width:520px){.kp-chip{font-size:.88rem;padding:10px 14px;width:100%}.kp-out{padding:20px 16px}.kp-list a{grid-template-columns:minmax(0,1fr)}.kp-list em{grid-row:auto;grid-column:1;margin-top:4px}}
@media (prefers-reduced-motion:reduce){.kp-list li{animation:none}.kp-ring .fg{transition:none}.vk-card,.vk-card::after{transition:none}}
.kompass{overflow:clip}
.kompass .sec-logo{background-image:var(--logo-l)}